Flood loss adjustment, mobilising to save furniture and much more
In terms of weather-related risks, floods are one of the most common phenomena in France and throughout the rest of the world. According to Belgium’s Centre for Research on the Epidemiology of Disasters (CRED), they increase in number every year. In 1990, there were an average of 87 floods each…
In terms of weather-related risks, floods are one of the most common phenomena in France and throughout the rest of the world. According to Belgium’s Centre for Research on the Epidemiology of Disasters (CRED), they increase in number every year. In 1990, there were an average of 87 floods each year. Ten years later, the figure had doubled to 165 floods each year.
Depending on its severity, a flood can impact a town or an entire department, with hundreds of individuals affected and major damage leaving a significant impact.
To face this type of large-scale incident, Stelliant Loss Adjusting sets up a structured organisation, able to respond with the urgency a high-stakes claim requires. Our Customer Service Teams (CST) and loss adjusters join forces to offer comprehensive services, from flood loss adjusting to after-loss remedial solutions.
Flood claims: a very specific definition
Under the terms of the insurance contract, floods fall under weather damage coverage.
Floods occur when there is heavy precipitation and a waterway, stream or river overflows its banks.
If the weather event is recognised by ministerial order as “a damaging natural phenomenon of abnormal intensity”, the damage will be compensated under “natural disaster” coverage.
In reality, this type of incident can cause enormous material damage to buildings and their contents (furniture, artwork, appliances, etc.). Because it is often on a large scale, there is also a psychological impact on the victims, who are experiencing great distress from the event.
Whatever the intensity of this type of disaster, whether it affects a single individual or more, Stelliant Loss Adjusting knows how critical it is to respond quickly in flood loss adjusting.
All of our resources mobilise to work actively with each victim as soon as the loss is reported to the insurer. The goal: minimise damage by implementing provisional measures.
Flood loss adjustment: responsive experts at work for victims
When there is a flood, our Customer Service Teams mobilise immediately and offer support throughout the case administration and loss adjusting process. Their support is greatly appreciated by victims in these devastating situations.
With this operational organisation, they are able to manage a large number of cases in relatively little time. Everything is done with the goal of improving the customer journey, producing a useful loss adjustment quickly, and ensuring that every claim is handled as expeditiously as possible:
- A secure, dedicated space where policyholders can submit documentation for the claim and send the loss statement.
- Remote loss adjusting and video loss adjusting so that initial recommendations can be provided as early as possible.
- On-site loss adjusting only if the scale of the damage requires it. When that is the case, loss adjusters recommend the implementation of provisional measures, determine the extent of the damage and suggest the most suitable compensation solution for each case.
Stelliant Loss Adjusting offers a response to fit the need, based on the extent of the damage. If the incident caused damage to buildings or valuables (artwork, old jewellery, etc.), we work in project mode.
Our Construction and Fine Art loss adjusters bring their respective technical skills, insurance knowledge and professional networks together. They do the flood loss adjustment together to calculate the exact compensation owed and find economically viable repair solutions for property that is sometimes cultural, but always personal.
Stelliant Loss Adjusting: dedicated to providing comprehensive support
Customer service and customer relations are the values underlying everything we do.
Our role is not just doing a loss adjustment on damage.
It’s also offering psychological support by listening, saving what can be saved with provisional measures, finding after-loss solutions to restore damaged items to their previous condition, etc.
Our assistance also requires balancing objectivity towards the loss with empathy towards those involved. With this compassion and range of skills offered by the Stelliant Group, our teams are well-equipped to support policyholders, from the flood loss adjustment to loss repairs.